Admiral vs Aviva: Compare Car Insurance

Is Admiral or Aviva the better solution for you? This in-depth, feature-by-feature breakdown will help you select the best car insurance for you and your wallet.

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Admiral and Aviva are two of the largest car insurance companies in the UK. Both come with many 'must-have' features, but they do not offer equal products. The team at NimbleFins has compared each company's car insurance offering to help readers trying to decide which might be the superior product for their needs.

Quick Overview: Admiral vs. Aviva Car insurance

Each company offers a different set of features, which can make it difficult to decide which is best for you. Below we recap some of the best features of each, as well as what's missing. From our comparison, the two policies are set apart primarily by their courtesy car and EU coverage. But there are other differences to keep in mind as well. Find out more below...

What we like about Admiral

Admiral comprehensive car insurance, rated 4 out of 5 stars by our editors, is superior to Aviva for the following notable reasons:

  • EU cover (up to 90 days included as standard)
  • No fault NCD protection (included as standard, subject to conditions explained below)
  • Stereo and satellite nav (better cover for aftermarket additions)

What we like about Aviva

Aviva, rated 3.5 out of 5 stars by our editors, is superior to Admiral for the following notable reasons:

  • Courtesy car for total loss or theft is available (if you buy the add on)
  • Larger/premium courtesy car
  • Free mid-term changes (online)

Here's a quick, high level comparison of how Admiral and Aviva compare on cost, features, customer service access and customer ratings.

Car Insurance ComparisonAdmiralAviva

Cost
Cheaper for our sample driverMore expensive for our sample driver

Superior Features
  • 90 days EU cover standard
  • No fault NCD protection standard
  • Cheaper for our sample driver
  • Courtesy car (total loss or theft) add on
  • Premium courtesy car add on
  • No online mid-term changes charges

Customer Service Access
Webchat and phones lines open 7 days a week, including bank holidaysWebchat and phones lines open 7 days a week, including bank holidays

Customer Ratings
  • Trustpilot 3.3 out of 5
  • FOS Complaint Rate 2.34
  • Defaqto 5 stars
  • Trustpilot 4.7 out of 5
  • FOS Complaint Rate 6.03
  • Defaqto 3 & 5 stars
Read NimbleFins' Admiral ReviewRead NimbleFins' Aviva Review

Get Admiral QuotesGet Aviva Quotes

Admiral vs Aviva Overall Review

We compared the policy features of Admiral and Aviva. There are four main differences between them: courtesy car (total loss or theft), EU cover, larger courtesy car and no fault NCD protection. Also a smaller minor difference in stereo and satellite nav cover, that may be worth noting.

Admiral offers the same cover in the EU and no fault NCD protection all as standard. Whereas, Aviva requires an additional premium for EU cover and simply do not offer no fault NCD protection.

However, Aviva does offer a courtesy car (total loss or theft) and a premium courtesy car add on option, this is something Admiral's comprehensive policy lacks. If courtesy cars are important to you, be sure to take note of this.

Find full details and more in the table below:

How Do They Compare?Admiral Comprehensive CoverageAviva Comprehensive Coverage

"Must Have" Features

Windscreen

Yes, if you use an Admiral glass helpline. If not, they will pay £25 for each glass repair and/or £50 for each glass replacementIncluded
BelongingsUp to £150Up to £150

Keys

Up to £300, as long as not lost/stolen from your vehicleCover for replacement locks if keys stolen or lost

Protected NCD

Yes, if you are eligibleIf you buy the add on

Car recovery after accident

Car delivered to Approved Repairer, your home or safe storage within 30 milesIncluded
Courtesy car (repairs)Included, if you use an approved repairerIf you buy the add on

Repairs guaranteed (if use approved repairer)

IncludedIncluded

"Should Have" Features

New car replacement

Theft or if cost to repair more than 59% of list price; cars up to 12 months oldIf the cost of repairing will be more than 60% of UK list price (inc. taxes); vehicle must be less than 1 year old; you must be the first and only registered keeper and legal owner
Stereo and satellite navEquipment fitted by the manufacturer is covered in full. For 'aftermarket' equipment up to £1,250 or market value of your car, whichever is the lowerIf permanently fitted to your vehicle
Alternative transport & Hotel after accidentIf you buy the add on, up to £50 per person (maximum £150) for travel. Up to £200 for overnight accommodation, if you are 25 miles away from your homeUp to £150 total
24-hour emergency helplineIncludedIncluded
Courtesy car (total loss or theft)Not includedIf you buy the add on
Motor legal expensesIf you buy the add onIf you buy the add on
Breakdown coverMust buy 'Platinum' coverageIf you buy the add on

"Could Have" Features

Same cover in EU

Up to 90 daysAdd on available if you call at least two weeks prior
Child car seat replacement after accident, theft, fireIncludedIncluded
Larger/premium courtesy carNot availableIf you buy the add on

No fault NCD protection

Included (if Admiral have recovered their money in full)Not available
Uninsured driver NCD protectionIncludedIncluded

Cancellation fee

Full refund during 14 days of receiving your welcome documents. If cancelled after that, you will be charged for the number of days you have been covered, plus an admin fee£0 cancellation fee during cooling off period if cover has not started; otherwise £38 + IPT

What we don't like about Admiral

Admiral lacks coverage for the following features:

  • Courtesy car (total loss or theft)
  • Larger/premium courtesy car
  • Keys

What we don't like about Aviva

Aviva provides worse coverage for the following features:

  • EU cover
  • No fault NCD protection
  • Stereo and satellite nav

Admiral vs Aviva Cost Comparison

The table below compares what many see as a deal breaker … the cost.

For our sample driver, it appears that Admiral's comprehensive policy is cheaper when paying one annual payment.

The monthly payment is also lower and it is important to acknowledge they require 11 monthly payments rather than 10. This allows for the deposit to be over £50 cheaper than Aviva.

However, as we always say, quotes are very case sensitive and you must get your own quotes before making any decisions.

What Policy?AnnualMonthly
Admiral Comprehensive£543.20£48.60 (11 payments, £48.73 deposit)
Admiral Third Party, Fire and Theft£424.48£37.98 (11 payments, £38.05 deposit)
Aviva Comprehensive£655.00£57.68 (10 payments, £109.17 deposit)
Aviva Protected NCD£79.00£6.58
Aviva Motor Legal£29.00£2.42
Aviva Courtesy Car (total loss, theft or repairs)£27.00£2.25
Aviva Breakdown Cover£45.62£3.80
Aviva Foreign Use£28.00£2.33

These quotes are based on 22-year-old Essex-based male driving a 2008 Ford Fiesta, 8,000 miles a year. He parks at home. They have been driving for 4 years and has 3 years no claims. This quote is for a young driver, hence why they are so high. Drivers with more experience can pay up to 45-50% less than the premiums listed here.

Admiral vs Aviva Reviews and Ratings Compared

It is always good to observe customer reviews as it shows how their clients are enjoying (or not enjoying) their service.

Below, you'll see that Aviva has a higher Trustpilot rating but a lower reviews.co.uk rating than Admiral. The Trustpilot rating better than nearly 1 and a half stars, with 76% of reviews being a full five stars. Only 55% of people gave Admiral five stars.

However, Aviva's FOS complaint ratio is significantly higher than Admiral. This suggests that maybe customer service is a weak spot for them.

Finally, Defaqto have identified all of Admirals policies as 5 star policies. Whereas, some of Aviva's policies warrant 3 stars, while others earned the full 5.

Review SiteAdmiral RatingsAviva Ratings
Trustpilot3.3 out of 54.7 out of 5
reviews.co.uk customer service rating2.87 out of 52.03 out of 5
FOS Complaint Ratio2.346.03
Defaqto5 star policies3 & 5 star policies

Aviva vs Aviva Cancellation Fees Compared

Unfortunately, sometimes we need to cancel our car insurance. In which case, it is important to know what it will cost you.

The table below shows that Admiral will either refund fully or in proportion to how many days you've been covered (plus an admin fee). Whereas, Aviva will charge £38 (plus IPT) once cover has started.

Where the biggest difference lies is with mid-term admin changes. Aviva allow free changes if made online or charge £18 (plus IPT) if you have to do it over the phone. Admiral, on the other hand, will charge anywhere between £9.50 to £65. If you think there's a chance of needing a mid-term change, bare this in mind.

When Are You CancellingAdmiralAviva
During cooling offFull refund£0 or (if cover has started) £38 + IPT
After cooling off periodCharged for the number of days you have been covered, plus an admin fee£38 + IPT
Mid-term admin changes£9.50 to £65£0 (online), £18 + IPT (over Phone)

Important Phone Numbers

In the unfortunate event you need to contact customer service, both Admiral and Aviva have similar opening times. When it comes to their webchat services, Admiral have significantly better opening times — especially on Sundays.

See full details below:

Opening HoursAdmiralAviva
Customer Service (Mon-Fri)8am-7pm8am-8pm
Customer Service (Sat)9am-5pm8:30am-5pm
Customer Service (Sun)9:30am-4pm10am-4pm
Customer Service (Bank Holiday)9:30am-4pm10am-4pm
Webchat (Mon-Fri)7am-10:45pm8am-8pm
Webchat (Sat)8am-7:45pm8:30am-5pm
Webchat (Sun)8am-7:45pm10am-4pm
Emergency Hotline24-hour24-hour

Admiral Contact Numbers

Admiral Contact Numbers
Customer Service (UK)0333 220 2000
Renewals0333 222 6715
Claims (in UK)0333 220 2033

24 Hour Helplines
Windscreen Claims0333 220 2025
Accident recovery0800 600 840

Policy Documents

More information about Admiral car insurance policies can be found by reading their policy documents.

To read about the full details of an Aviva policy, including what's covered and exclusions, read through the Aviva car insurance policy documents here.

Ryan S. Gladwin

Ryan S. Gladwin is an Essex-based writer with a passion for teaching others what he has learnt. While studying for his Multimedia Journalism degree he realised that writing about the things he loved (music, culture and finance) was what he wanted to do as a career.

Since graduating he has written for publications such as Insider, Dummy, Leverage.com, Hedgehog.app and more. Now he also writes for NimbleFins, where he aims to help people financially empower themselves. Find more about him on his website here or on LinkedIn.

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